Jump to content


  • Tweets

  • Posts

    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Ex still on housing association rent book issue


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5015 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Not sure if this is the appropriate forum for this so if it isn't mods please move.

 

Basically I have a friend who shared the rent book on the housing assoc 3 bed house she was in with her husband. They have been separated over 6 months now and he is now renting his own private place. Obv she still lives in the house with 3 kids. There is arrears on the rent from when he was there works out to about £400 each they have to pay and they've sed his name can't come off the rent book until he "signs it over" and he can't do that until arrears are paid, which he certainly has no intent of doing whatsoever. They argue a hell of alot and he keeps threatening to just waltz back into the house and take it over which is obvioulsy disgustingly illegal so what can be done here?? I remember a similar issue when I left my ex we lived in a council property and altho I willingly told them I'd left the property I don't remember it being the law that I had to tell them. She can provide the address of where he currently resides where the council tax must be in hs name so that would be proof and surely all that's required to get his name off the rent book??????

Link to post
Share on other sites

The same thing happened to my sister. Her husband moved out then she found out he had not been paying any of the bills or rent for a while. She tried to get him off the rent but was not allowed to until the arrears where paid off. It was only when they went to court for the divorce and the judge made him agree he was responsible for all the arrears that the Council removed him from the tenancy. He has still not paid anything as he has disappeared but the council cannot chase my sister for the money now.

Link to post
Share on other sites

Not really too fussed about the arrears issue, as me and my ex had arrears and wen I left they were put aside as a separate debt and we each owed 50% of it. Her rent carried on as separate. The main concern at the moment is him claiming he can just stroll in whenever he wants and takeover, which surely cannot be legal.

Link to post
Share on other sites

As long as he is on the tenancy agreement as a tenant/joint tenant and there is no court order (such as an exclusion order) preventing him from entering the property, then he can just walk in whenever he wants, regardless of whether he resides in another property.

 

If they are joint tenants, (sounds like they are) then he can't walk in and take over completely but he can take control over the tenancy to the same extent that she can as the joint tenant.

 

It should be written in the tenancy agreement that the tenants must provide the housing association with notice if they wish to surrender the tenancy

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

Link to post
Share on other sites

"Sharing the rent book" means nothing. Any rent book is just a rent receipting system.

 

As ErikaPNP has said the problem is that her ex will be on the tenancy agreement and you can't just take your name off of a document like this. They would pretty much have to end that tenancy and assign it over to your friend and no housing organisation will want to do this if their are arrears.

 

Since he won't pay I'd advise your friend to get some legal advice about what to do.

Link to post
Share on other sites

Just to clarify my sisters position- there was a restraining order against her hubby for violence. So I don't supose that helps your querey any.

 

I will go and sit back in the corner. :p

 

I thought there might be a way to remove him if it went to court but after reading Erikas post it might be because of the restaining order that my sister got her OH off the tenancy

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...